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M-O Federal Credit Union

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M-O Federal Credit Union Rates & Review April 2026

Q: How many branches does M-O Federal Credit Union operate?

M-O Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join M-O Federal Credit Union?

Yes, to access services at M-O Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, M-O Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare M-O Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.70%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.40%. Savings rates are at 0.30% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to M-O Federal Credit Union rates. MonitorBankRates evaluates the financial stability of M-O Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.70%. Rates were last updated on 04/23/2026.

M-O Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at M-O Federal Credit Union? Share your experience about M-O Federal Credit Union by leaving a review below, or read customer reviews before you decide to use M-O Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.70%

Excellent Lower than avg

M-O Federal Credit Union
M O Federal Credit Union

1730 Dakota Ave S
Huron, SD 57350

Current Rate Availability

We do not have M-O Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for M-O Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather M-O Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with M-O Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name M-O Federal Credit Union

Website

Address 1730 Dakota Ave S, Huron, SD 57350

Phone 605-353-9977

Fax 605-353-1732

President Teresa Urban

CEO Gail Broer

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.70%

Return on Assets (ROA)

1.0236%

Return on Equity (ROE)

8.0194%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

42,410,299

Total Amount of Shares and Deposits

36,630,491

Total Shares and Deposits < 1 Year

35,083,590

Total Shares and Deposits 1 3 Years

1,494,073

Total Shares and Deposits > 3 Years

52,828

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

333,968

Total Uninsured Shares and Deposits > $250K (F+J)

833,968

Total Insured Shares and Deposits > $250K (item 17 less item K)

35,796,523

Total Interest Expense (Sum of items 6 8)

403,651

Share Certificates

510

Number of Accounts for Share Drafts

1,061

IRA KEOGH Accounts

195

Number of Accounts for Regular Shares

2,295

Non Member Deposits

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

140,823

Total Liabilities

36,996,890

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for M-O Federal Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About M-O Federal Credit Union

Is M-O Federal Credit Union a safe place to deposit money?

Yes, M-O Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.69858013684168%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does M-O Federal Credit Union operate?

M-O Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join M-O Federal Credit Union?

Yes, to access services at M-O Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, M-O Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, M-O Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does M-O Federal Credit Union offer online and mobile banking?

Most modern institutions like M-O Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.